Individual Investors

Many companies say they put the interests of their investors first...

At American Trust, we let our actions say it for us. You will see this in our fiduciary status, a legal requirement of loyalty; in our solutions, designed to help you achieve your goals; and above all in our people, who will treat you like family.

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Transparency of Fees

We believe trust and transparency go hand-in-hand.  For that reason, we’ve always practiced full disclosure of our fees.  Plus all revenue sharing payments we receive from fund companies are credited back to you, not us!

Certified for Best Practices

Recognized globally for its fiduciary oversight process, the Centre for Fiduciary Excellence (CEFEX) has annually certified  Unified Trust® a Division of American Trust Company, as  meeting its highest standards of Fiduciary Practices for Investment Advisors.

A Higher Standard

Many financial institutions tend to avoid fiduciary status to reduce liability and even increase profit.  We’re different.  We see being a fiduciary, a legal duty, as an opportunity to better serve our clients.

American Trust can help you put your financial plan into action.

Developing a plan is just the starting point; financial success is best achieved when that plan is actively monitored, managed and adjusted to your changing lifestyle.

A TEAM APPROACH

Prudent Investment Process

At many investment firms, each advisor has their own investment philosophy. This often leads to inconsistent and less-than-desirable outcomes for clients.  At American Trust, investment strategies are established and overseen by our Trust Investment Committee, a team of senior leaders and highly credentialed investment professionals all focused on your success.

Investment Strategy

Your investments may change, but these core philosophies will always be present.

 

  • Allocating savings across investment categories can help lower your risk.

  • High quality assets with better historical track records can provide stability.

  • Keeping costs under control can have a positive impact over the long term.

  • Investment management for you risk capacity and tolerance.

  • Unconflicted and extensive investment option availability.

  • Provides a balanced long term evaluation of each investment relative to its peers.

Contact Us Today

Whether you have a question you'd like us to answer or a brilliant idea you're ready to share, the team at American Trust is here to listen. When you become a part of the American Trust family, you’ll discover what our current clients already know: Fiduciary responsibility is not just a phrase in our brochure, it is our number one priority.

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U.S. stock prices ended the week higher as the Fed remained resolute in its stance on fighting inflation and raised interest rates 0.25%, despite investor concerns in the banking industry.

U.S. stock prices declined sharply as investors reacted to the Congressional testimony of Fed Chair Powell and concerns about the banking sector as the government took control of SVB Financial.

The Federal Reserve just raised interest rates again. Inflation is on the rise. The unemployment rate remains low despite a recent wave of corporate layoffs. What does it all mean? That is the quintessential investor question, and it is a difficult one to answer.

U.S. stock prices ended the week lower as the S&P 500 recorded its worst weekly loss since early December, falling -2.66%, as investors are concerned that inflation may have reversed course and ongoing rate hikes from the Fed appear more likely.

U.S. stock prices continued their rally last week as investors were able to glean some dovish remarks from the Federal Reserve as Fed Chair Jerome Powell acknowledged disinflationary signs for the first time.

The “golden ratio” is a mathematical concept that has influenced civilizations and cultures for centuries. Its direct influence ranges from the design of the Egyptian pyramids to modern-day database management and encryption. It is no surprise that the 60% equity and 40% fixed income (60/40) asset allocation has become a symbol of balance and symmetry in portfolio theory. It is an empirically beautiful and truly harmonious keepsake in the field of portfolio management.

One of the provisions in the new SECURE 2.0 Act permits a 529 Plan account beneficiary to roll unused dollars from a 529 Plan into a Roth IRA. But watch out! The SECURE 2.0 act specifies rules and conditions that must be met before the 529 Plan funds can be safely rolled into the Roth IRA.

The Secure 2.0 Act is a piece of legislation designed to improve retirement security for Americans. Among other things, the Act includes provisions to expand access to employer-sponsored retirement plans, increase catch-up contributions and retirement plan limits, and introduces new Required Minimum Distribution (RMD) rules.

The Consolidated Appropriations Act of 2023 signed into law on December 29, 2022, contains the long-awaited provisions of SECURE 2.0. This is a counterpart to the original Setting Every Community Up for Retirement Enhancement Act (SECURE Act) of 2019. SECURE 2.0 enhances and builds upon the original to help increase retirement savings in America.

U.S. stock prices finished with modest losses for the final week of the year. The S&P 500 closed out the year down more than 18% as investors grappled with higher interest rates and a slowing economy.

The shortest day of the year is near. For some, the winter solstice is that day each year when the Earth’s northern hemisphere leans farthest from the sun, offers a mere 9.5 hours of daylight, and when, quite often, we first encounter those frigid winter temperatures.